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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To not sell my home for the benefit of my stepkids?

748 replies

jaicobain · 07/01/2023 15:34

I was never able to have children of my own. I was with somebody for 20 years, had all the treatments, and only ever had miscarriages. He became abusive and I left in my mid-40s, that was that. I am lucky in that I bought my house before he came along. I’m 57 now, and have come to terms with not having DC, but it’s still a great source of sadness to me.

My 2 nieces were born in my 30s, and I adore them. They were a great comfort to me, I’ve always been close to my sister so as a result was close to them. I am their Godmother. Of course they couldn’t be a substitute to my own DC but we have such a close relationship. When they were teenagers, they moved in with me for a few months whilst Dsis struggled with depression. Then a couple of years later my elder niece moved back in for 4 months at age 17 due to rebellious behaviour that Dsis wasn’t coping with. They are now both brilliant young women, and both have babies. They aren’t particularly well-off, and have struggled with the cost of living recently. I’ve been very vocal of the fact that they will inherit my house. Maybe a mistake to tell them that but they are greatful and not entitled at all.

I am in great health and expect to be around for the forseeable, and have always planned to leave my house to my sister, or my nieces if she passes before me. My sister is younger than me, but has ill-health and chronic conditions that have worsened as of late. She is not at deaths door or anything but has told me full-well that she doubts she’ll make 70.

I have a husband now, married 5 years, I have moved in with him. I have a tenant in my property. The problem that has arisen is that he wants us to buy a holiday home in Spain, but doesn’t want to downsize his large Victorian house to fund it (worth £500,000+, bought in the 80s in an area that got gentrified) because he wants his 2 sons to inherit it. He is snobbish about the area of my house (one of the not so nice areas of the city, but it’s where I grew up and I’m fond of it!), and is incredibly vocal about it. He thinks I should ‘get rid’ of my house and buy us the holiday home with the money. I have asked him why he doesn’t just downsize his 4-bedroom, it’s just the 2 of us and his 4 granddaughter’s are pre-teens/teens so they don’t even come and stay anymore. And it’s always the same response, he wants his sons to inherit it and the hypothetical holiday home that he expects me to sell my beloved home to fund.

He actually said that since I don’t have DC and now live with him I don’t need the house. As somebody who tried for years to have kids, this hurt me a lot. He also fails to respect my close relationship with my nieces, and has actually said I should prioritise his adult kids over my 2 nieces. Prioritising his kids would mean selling my house to fund the holiday home so that he doesn’t have to downsize his big house that they are due to inherit.

I am finding the whole thing incredibly upsetting and I feel like he doesn’t respect me or my family. He’s made many a nasty comment about my sister’s mental health issues and has no sympathy for her physical health issues which he says are her own fault for smoking, it’s like her considers her and my nieces to just be worthless. I will add that the holiday home is all him, I am really not bothered and would rather just go on nice holidays around Europe without the stress of buying and maintaining a holiday home.

OP posts:
aSofaNearYou · 07/01/2023 16:21

He sounds absolutely awful OP. You need to get rid of him and if you won't, then don't financially entangle yourself at all because it will all end up going to his kids.

DollyDaydream55 · 07/01/2023 16:21

What a mess; and I say this as a lady who is divorcing at age 60 so sick and tired was I of abuse.

Seek some legal advice as to where you stand in the property front.

Marigoldandivy · 07/01/2023 16:22

Your nieces are your blood relatives. His children are not. That should be clear enough for him. Don’t do what he wants!

Butterfly44 · 07/01/2023 16:22

You married him at 52. You're life it's not start from then. You had a whole other full life full of loving family relationships. A 5 year marriage does not trump the stepchildren over your family.
He's thinking of his own children, your nieces are your equivalent. The fact he doesn't understand or seem to care is very discerning. He doesn't have much empathy or understanding like you say.
Please don't do it. Stick to your guns. Your will should rectify your own wishes. Anything can happen in life so please make sure that's done and safe. Money and inheritance can change people. Your sister and family sound lovely as do you.

Spect8 · 07/01/2023 16:22

He sounds like the type who married for money not love. Took 5 years to work out how to say it to you, but probably knew what he was after from the get go.

You know what you have to do. The minute someone disrespects me they are gone, and I have done this with family members too. No regrets.

ScribblingPixie · 07/01/2023 16:22

Isn't this an occasion for the Mumsnet answer "No is a complete sentence"? Just tell him no matter what he says the answer will always be no & that's that. You won't discuss it any further. That isn't what you want from your life. If he does, he needs to fund it. Definitely see a solicitor; you need to make sure your plans for your home are protected.

Dreamwhisper · 07/01/2023 16:23

You're not even 60 yet!! I would stop worrying about other people's benefit so much and focus on what you want to do ❤

You like your home, it brings value to your life, and you also want it or the proceeds of it to go to your neices.

That's literally the end of the story!

Beamur · 07/01/2023 16:23

Write a will if you haven't already.
Say no to the house plan and mean it.

DollyDaydream55 · 07/01/2023 16:23

Oh, and he sounds like he’s graduated straight from the “what’s mine is mine and what’s yours is mine too” academy.

diddl · 07/01/2023 16:24

What does he think that his sons will do with his house if they inherit?

If he downsizes & buys in Spain then there are two properties to X value rather than one!

If you did sell your home-would he leave you the property in Spain?

A right to live in the house??

I hope you can manage to divorce him & keep your house.

NewYearNewCareer · 07/01/2023 16:24

Previous wills become invalid upon marriage - you need to have written one after marriage.

I would also look at a trust for the property. That way it’s secure.

Does he have a will? Is he leaving his house to his children? He could go first!

I would refuse the house in Spain, friends grandmother owned one there and the legal system is difficult to navigate in regards the sale etc - bear this in mind.

I wouldn’t agree to buying a home in Spain, there really is no need, the cost alone doesn’t make financial sense and there are so many lovely places to explore.

Xenia · 07/01/2023 16:25

What about this for a plan if you are certain the nieces will get your house? Transfer it into their joint names now and be done with it then there is no way even on a divorce your husband can include it in the marital assets.

Then if his house is not registered in joint names with you and him then register at the Land Registry your spousal right over the matrimonial home.

The transferring to nieces only works if you don't need income from the house for now although even if you do that could be worked around.

Do also make a will whatever happens and remember that as you are married rather than just living together if you or your husband leaves the other out of the will entirely there could be a claim under Inheritance (Provision for Family and Dependants) Act 1975 if you are in England.

If your house might be worth over the inheritance tax limit you might have yet another reason to transfer it to the nieces now. Mind you if they are in dire straights giving them the house now might mess up their benefits entirely so all of this needs very careful thought.

ReneBumsWombats · 07/01/2023 16:25

You were never going to have kids together so I don't see why you married at all... in your situation, all it does is complicate inheritances. As PP have said, if you go first then it's all his.

Why did you marry? And why do you think he married you? He sounds horrid amd hypocritical and a total arse over money. Was it just to get your property?

Needless to say, you absolutely shouldn't agree to this and you need legal advice on how to protect your nieces' inheritance in case you should predecease him. If the answer is to divorce him, well, no loss as far as I can see.

PurpleFlower1983 · 07/01/2023 16:26

Say no and get a cast iron will in the event of your death.

Testina · 07/01/2023 16:26

Well I breathed a sigh of relief that his property is worth £500K so getting out of this marriage shouldn’t cost you money.

Notjustabrunette · 07/01/2023 16:28

If you split up or if he died where would you live? Presumably you would move back into your house?

Herejustforthisone · 07/01/2023 16:28

You’d have to be absolutely idiotic to do what he wants. You’d also have to be idiotic to remain in a relationship with this complete prick.

SeenAndNot · 07/01/2023 16:28

Does this man have any redeeming qualities?

spidersenses · 07/01/2023 16:28

I think you already know the answer to this. Don't sell your home. Leave it to your nieces. His sons will already get his house. Stick to what you want. It isn't his place to pressurise otherwise.

KettrickenSmiled · 07/01/2023 16:29

I have a husband now, married 5 years, I have moved in with him. I have a tenant in my property. The problem that has arisen is that he wants us to buy a holiday home in Spain, but doesn’t want to downsize his large Victorian house to fund it (worth £500,000+, bought in the 80s in an area that got gentrified) because he wants his 2 sons to inherit it. He is snobbish about the area of my house (one of the not so nice areas of the city, but it’s where I grew up and I’m fond of it!), and is incredibly vocal about it. He thinks I should ‘get rid’ of my house and buy us the holiday home with the money. I have asked him why he doesn’t just downsize his 4-bedroom, it’s just the 2 of us and his 4 granddaughter’s are pre-teens/teens so they don’t even come and stay anymore. And it’s always the same response, he wants his sons to inherit it and the hypothetical holiday home that he expects me to sell my beloved home to fund.
He has given you a load of longwinded bollocks that essentially boils down to

  1. disinherit your nieces 2) sell your home 3) buy him a Spanish holiday home 4) which he gets to leave to his sons, leaving your relatives diddly squat.

He actually said that since I don’t have DC and now live with him I don’t need the house. As somebody who tried for years to have kids, this hurt me a lot. He also fails to respect my close relationship with my nieces, and has actually said I should prioritise his adult kids over my 2 nieces. Prioritising his kids would mean selling my house to fund the holiday home so that he doesn’t have to downsize his big house that they are due to inherit.
How long have you been married to this cockwomble?

I am finding the whole thing incredibly upsetting and I feel like he doesn’t respect me or my family. He’s made many a nasty comment about my sister’s mental health issues and has no sympathy for her physical health issues which he says are her own fault for smoking, it’s like her considers her and my nieces to just be worthless. I will add that the holiday home is all him, I am really not bothered and would rather just go on nice holidays around Europe without the stress of buying and maintaining a holiday home.
I am so sorry OP.
You seem to have been taken in by a nasty man who professed to love you, but who has zero respect for you & yours, & married you to get his paws on your house.
I hope you are properly angry about this. He is so entitled, he thinks you should leave your not inconsiderable assets to his DC & not your own family.

It's a disgusting attitude, & that's why I asked how long you've been married. Because obviously only you can decide, but I would not live with that level of contempt & blatant greed, & would be looking to legally disentangle myself for the smallest possible financial hit.

cupofdecaf · 07/01/2023 16:29

Have you made a will since you got married? Marriage invalidated any existing wills so you need a will post marriage that leaves the house to your nieces.

KettrickenSmiled · 07/01/2023 16:30

SORRY! 5 years married, not sure how I managed to miss that.
You may find this is a short enough time period that you could choose to divorce, each of you taking ONLY what you brought into the marriage.

You may disagree, but I think your man is a venal twat & you & your family deserve a lot better.

DollyDaydream55 · 07/01/2023 16:31

@KettrickenSmiled Spot on!

2bazookas · 07/01/2023 16:31

If I'd acquired a husband like him, there is absolutely NO WAY I would ever let go of my financial independence. Which is what your property represents.

Ncgirlseriously · 07/01/2023 16:31

Tell him to jog on.